| A | B |
|---|
| Minimum verified monthly income for the First Time Buyer program: | $1,500 / mo |
| Eligible pricing tiers for Limited Credit program: | 1-5 |
| Maximum PTI for Limited Credit program: | 13% |
| Maximum PTI for First Time Buyer program: | 11% |
| Maximum LTV for First Time Buyer program: | 110% |
| This turndown reason refers to insufficient income with regards to a turndown for the First Time Buyer program: | C055 |
| This turndown reason refers to serious delinquency with regards to a turndown for the First Time Buyer program: | C035 |
| This turndown reason refers to delinquencies of less than 60 days with regards to a turndown for the First Time Buyer program: | C005 |
| This turndown reason is used when the applicant fails to meet minimum credit requirements: | REJ-008 |
| This turndown reason is used when an applicant has an open, active bankruptcy: | REJ-023 |
| An existing ESB account with a behavior score of _____ or lower would be declined per the Pay History Guide: | 510 |
| This is the max PTI a Credit Authority 2 can decision: | 15% |
| This is the max amount financed through the First Time Buyer program: | $20,000 |
| Regardless of FICO score, all First Time Buyer decisions are this pricing tier: | 6 |
| CAP deals are designated this pricing tier: | 8 |
| The Pricing Tier determines: | wholesale rate |
| Credit tier determines: | loan to value |
| The FICO score determines: | Pricing Tier |
| The Credit Tiers are: | A-J |
| The Pricing Tiers are: | 1-7 |
